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Dinesh Unnikrishnan

Editor-Banking & Finance

Moneycontrol

Editor-Banking & Finance at Moneycontrol. Dinesh heads the Banking and Finance Bureau at Moneycontrol. He also writes a weekly column, Banking Central, every Monday.

Moneycontrol Pro Panorama | March inflation falls. More rate cuts? 

BUSINESS

Moneycontrol Pro Panorama | March inflation falls. More rate cuts? 

With retail inflation well below target, it's time to support growth

Chart of the Day | FD Rate Cuts: Who gains, who loses?

BUSINESS

Chart of the Day | FD Rate Cuts: Who gains, who loses?

Which are the banks that have cut FD rates of late? Take a look

Banking Central: Deposit rates slashed — savers hit as banks move in to protect margins

BUSINESS

Banking Central: Deposit rates slashed — savers hit as banks move in to protect margins

This is not just about banks 'adjusting' to RBI’s recent 25 basis point repo rate cut, it’s a desperate bid to protect their thinning margins

Moneycontrol Pro Panorama | RBI moves to shield India as Trump’s trade blitz shakes global markets

BUSINESS

Moneycontrol Pro Panorama | RBI moves to shield India as Trump’s trade blitz shakes global markets

Amid a global trade war, the RBI has signalled a decisive shift in its policy approach to support growth

Chart of the Day | Where do growth-inflation numbers stand right now?

BUSINESS

Chart of the Day | Where do growth-inflation numbers stand right now?

Here’s a look at the numbers to understand which way the MPC will move

Have banks cut FD rates pre-empting RBI's move?

BUSINESS

Have banks cut FD rates pre-empting RBI's move?

At least 3 private banks have cut FD rates, SBI has stopped a popular special deposit scheme. What’s happening?

Banking Central | What worked, what didn’t for investors in FY25 and what it means for FY26

BUSINESS

Banking Central | What worked, what didn’t for investors in FY25 and what it means for FY26

Investors who spread their capital across diverse instruments were the ones who weathered the storm. As Trump tariffs tear apart global order and markets, FY25 may have some lessons to offer

What should investors expect from bank results in Q4?

BUSINESS

What should investors expect from bank results in Q4?

Find out the key trends expected in banks' financials in the fourth quarter.

Moneycontrol Pro Panorama | Indian Manufacturing PMI surges amid tariff fears—What is the signal to MPC?

BUSINESS

Moneycontrol Pro Panorama | Indian Manufacturing PMI surges amid tariff fears—What is the signal to MPC?

In April 2 edition of Moneycontrol Pro Panorama: It is too early to conclude that all is well in the Indian economy, and the MPC may have to continue lending a helping hand.

Chart of the Day | Who is losing in the great battle for bank deposits?

BUSINESS

Chart of the Day | Who is losing in the great battle for bank deposits?

Among PSBs, private banks and foreign banks, the rivalry to garner deposits is picking up. There is no mercy in this battle for survival.

Uday Kotak’s stark warning and what it means for banks

BUSINESS

Uday Kotak’s stark warning and what it means for banks

India’s banking sector is facing an unusual dilemma—one that threatens profitability and long-term sustainability. With borrowing costs exceeding lending rates, banks are caught in a tight spot, struggling to maintain their traditional business models.

Banking Central | Why another RBI rate cut is inevitable on April 9

BUSINESS

Banking Central | Why another RBI rate cut is inevitable on April 9

The time for half-measures is over, and the RBI must decisively embrace a dovish stance and cut rates further, not only to alleviate the credit crunch but to send a strong signal that growth is the new priority.

Data at a Glance: States’ growth ambitions clash with rising debt

BUSINESS

Data at a Glance: States’ growth ambitions clash with rising debt

An analysis of state finances offers a mixed picture on financial health. Here are the top findings.

Moneycontrol Pro Panorama | Karnataka’s rural debt crisis: A brewing storm

BUSINESS

Moneycontrol Pro Panorama | Karnataka’s rural debt crisis: A brewing storm

In today’s edition of Pro Panorama: A stock with a lasting imprint, leaders of market rally, NBFC warning signs, priority sector lending and much more

Chart of the Day | Will RBI's new priority sector lending guidelines make a difference?

BUSINESS

Chart of the Day | Will RBI's new priority sector lending guidelines make a difference?

If executed efficiently, these guidelines can significantly boost financial access, particularly for housing, green energy, and underserved communities—ensuring that PSL fulfils its true purpose.

Quick Take | Retail security redemptions surge: What It means for banks, ARCs

BUSINESS

Quick Take | Retail security redemptions surge: What It means for banks, ARCs

The landscape of stressed asset resolution is evolving, with significant changes on the horizon for Asset Reconstruction Companies (ARCs). A projected shift in redemption rates could redefine recovery strategies and impact key stakeholders in the financial ecosystem

What does inward remittance data tell us?

BUSINESS

What does inward remittance data tell us?

Indian migrants are no longer predominantly working in blue-collar jobs in the Gulf

Banking Central | Bond market is caught in uncertainties

BUSINESS

Banking Central | Bond market is caught in uncertainties

On the one hand, inflation has softened, with CPI falling to 4.31% in January — a positive for bonds. On the other, global uncertainties and the RBI’s cautious policy stance are keeping traders from making bold bets on lower yields

Banking Central | Who is right on bank staff vacancies — the government or unions?

BANKING

Banking Central | Who is right on bank staff vacancies — the government or unions?

The government say PSBs employees have increased from 6.18 lakh in 2011 to 7.58 lakh, as of January 2025. Employee unions, however, say staff numbers are down and workload has zoomed

Moneycontrol Pro Panorama | The Dollar index is tumbling—Is the Greenback losing its safe haven status?

BUSINESS

Moneycontrol Pro Panorama | The Dollar index is tumbling—Is the Greenback losing its safe haven status?

In this edition of Moneycontrol Pro Panorama: Fund flows to emerging markets (EMs) are closely tied to the strength of the US dollar—a stronger dollar typically leads to capital outflows from EMs, tightening financial conditions. However, concerns about China being forced to devalue the yuan appear overblown

Chart of the Day | India Inc’s debt cushion remains strong despite dip in interest coverage

BUSINESS

Chart of the Day | India Inc’s debt cushion remains strong despite dip in interest coverage

According to BoB Research, Indian industry remains well-positioned to meet its debt obligations, as reflected by the ICR. Despite the marginal dip, the ICR remains high by historical standards

India’s P2P lending space needs overhaul, not a mere slap on the wrist

BUSINESS

India’s P2P lending space needs overhaul, not a mere slap on the wrist

RBI’s crackdown on P2P companies exposes compliance failures

Banking Central |How far could the RBI go on the liquidity mission?

BUSINESS

Banking Central |How far could the RBI go on the liquidity mission?

A fresh surge in liquidity could stoke inflationary pressures, undoing the RBI’s hard-won price stability

Moneycontrol Pro Panorama | Have Indian markets bottomed out?

BUSINESS

Moneycontrol Pro Panorama | Have Indian markets bottomed out?

For Moneycontrol Pro Panorama March 7 edition: In this environment, the stance of retail investors could serve as the real litmus test for market stability. If retail sentiment shifts from exuberance to caution, it might signal that the market has not yet found its floor

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